Travel Insurance - Malaysia Airlines

Travel Insurance

Policy Wording

The insurer of this product is Zurich Australian Insurance Limited (ACN 000 296 640, an overseas registered company incorporated in Australia) (ZAIL), trading as Zurich New Zealand.

Effective: 1 June 2017

Travel Insurance Policy Wording

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Table Of Contents

About This Cover 2 The Purpose Of The Policy Wording Document 2

Benefits Table 3

Policy Inclusions 4

Travel And Health 5 Existing Medical Conditions 5 Travel And The Health Of Other People (Non-Traveller) 6 Pregnancy 6

24 Hour Emergency Assistance 7

Claims 7

Who Is The Insurer 8

Who Is Cover-More? 8

Change Of Terms And Conditions 8

Your Duty Of Disclosure 8

We Respect Your Privacy 9

Data Sharing Consent 9

Information About Other Products 9

The Fair Insurance Code 9

Resolving Complaints 9

Policy Wording 10 Words With Special Meaning 10-11 Policy Conditions 11-13 The Benefits 13-19 General Exclusions 19-20

About This CoverThis policy is available to residents of New Zealand who are 59 years of age or less at the time the policy is issued.

The Purpose Of The Policy Wording Document

The Policy Wording provides information to help You understand this travel insurance policy, compare cover and make an informed decision about whether to buy a policy. Please read the Policy Wording carefully to ensure it provides the cover You need. If You have any questions please contact Us.

The Policy Wording details:

• the benefits – read these together with the options to vary cover;

• requirements if You have an Existing Medical Condition or are pregnant;

• obligations in relation to Your duty of disclosure;

• definitions of ‘words with special meaning’ where they are used in the policy; and

• what is and isn’t covered.

When You purchase a policy, keep a copy of this Policy Wording and the Certificate of Insurance We’ll give You in a safe place for future reference.

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Benefits TablePolicy Benefits Comprehensive Plan

Single Trip Only

1 Medical and Dental Expenses $Unlimited*

2 Additional Expenses $Unlimited-

3 Amendment or Cancellation Costs $Unlimited

4 Luggage and Travel Documents $25,000

Cameras and Video Cameras $3,000

Laptop Computers $3,000

Other items $1,500

5 Delayed Luggage Allowance $1,500

6 Money $500

7 Rental Car Insurance Excess $4,000

8 Travel Delay $2,000

9 Resumption of Journey $5,000

10 Hospital Incidentals $8,000

11 Hijacking $8,000

12 Loss of Income$9,000 up to

$1,000 per month+

13 Disability $15,000+

14 Accidental Death $15,000+

15 Legal Expenses $10,000

16 Personal Liability $2,500,000

*Medical cover will not exceed 12 months from onset. Medical and Dental Expenses cover is limited to $1,500 for treatment provided in New Zealand.+Maximum liability collectively for Sections 12, 13 and 14 is $15,000.-Limits apply to sub sections 2 and 5f.

This is only a summary of benefits provided. Please refer to the Policy Wording section on pages 10-20 for full details of the cover provided.

Please read the entire document carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

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Policy InclusionsAreas Of Travel

Where You travel will influence Your premium. You will need to choose the main destination based on where You will spend the most time on Your Journey.

Note: If 20% or more of any Journey will be spent in the Americas or Antarctica, You must nominate the area including these countries as the main destination.

Policy Excess

Your is shown on Your Certificate of Insurance.

Luggage

Your belongings

When You’re at Home, You look after Your belongings. When You travel it should be no different. Unfortunately, many claims We see for loss or theft are caused by people being careless with their belongings. If You do not take good care of Your belongings We may not be able to pay Your claim. Not all belongings are covered by the policy.

What does this mean?

• Keep Valuables with You (where security regulations allow You to do so) rather than checking them in with the Transport Provider.

• Do not leave Valuables in a motor vehicle at any time.

“Valuables” means articles made of or containing gold, silver or precious metals; binoculars; jewellery; mobile phones; photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including computer games, portable navigation equipment or media); precious stones; smart phones; telescopes and watches.

• A maximum limit of $2,000 applies to any other items left during the day in the boot of a locked motor vehicle. Also, don’t leave items in a motor vehicle overnight as they are not covered.

• Report any loss or theft to the police within 24 hours as an original police report is required for any claim involving loss or theft; and

• Additionally, We require the relevant report from the related party For example, an Airline Property Irregularity Report (P.I.R.) is also required if Your items were lost or stolen when travelling with an airline.

Activities Included in Your Cover

The following activities are automatically covered:

• abseiling

• ballooning

• bungy jumping

• parachuting

• paragliding

• parasailing

• white water rafting

Note: Subject to the ordinary terms of cover and in particular General Exclusion 25 on page 20 and Section 16 Personal Liability exclusions 3 and 4 on page 19.

Activities Not Included In Your Cover

There is no cover for the following activities:

• Motorcycle Riding

• Moped Riding

• Snow Skiing

• Snowboarding

• Snowmobiling

Extending Your Journey

If You decide to extend Your Journey and wish to be insured for longer than the original period, You will need to purchase a new policy through Us prior to the expiry date shown on Your original Certificate of Insurance. It is a new policy, not an extension of Your previous policy.

It is important to note that should a medical condition first present itself prior to the time of issue of the new policy, it may be considered an Existing Medical Condition under the new policy and therefore may not be covered by the new policy.

Restrictions on duration may apply.

Money Back Guarantee

If You cancel this policy for any reason within the cooling off period, which is within 15 working days of the date of purchase, We will give You Your money back.

Our money back guarantee ensures a refund of the entire premium unless You have already:

• made a claim under the policy; or

• departed on Your Journey.

If You wish to cancel Your policy and receive a full refund, please contact Us within the cooling off period.

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Travel And HealthExisting Medical Conditions

(Of You or Your travelling companion)

This policy does not automatically cover for claims directly or indirectly arising from or exacerbated by some Existing Medical Conditions. If you are unsure whether You have an Existing Medical Condition please call 0800 268 372 for assistance.

What is an Existing Medical Condition?

Existing Medical Condition means a disease, illness, medical or dental condition or physical defect that at the Relevant Time meets any one of the following:

a) has required an emergency department visit, hospitalisation or day surgery procedure within the last two years;

b) requires

(i) prescription medication from a qualified medical practitioner or dentist;

(ii) regular review or check-ups;

(iii) ongoing medication for treatment or risk factor control;

(iv) consultation with a specialist;

c) has

(i) been medically documented involving the brain, circulatory system, heart, kidneys, liver, respiratory system or cancer;

(ii) required surgery involving the abdomen, back, joints or spine;

(iii) shown symptoms or signs however, a medical opinion or investigation has not been sought to confirm or provide a diagnosis; or

d) is

(i) chronic or ongoing (whether chronic or otherwise) and medically documented;

(ii) under investigation;

(iii) pending diagnosis; or

(iv) pending test results.

Relevant Time means the time of issue of the policy.

Existing Medical Conditions We automatically include

We automatically include the Existing Medical Conditions listed in the table following provided:

• You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions;

• You are not under investigation for any of the listed conditions;

• You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions;

• Your condition satisfies the criteria in the table following and

• all Your Existing Medical Conditions are on this list.

All time frames are measured in relation to the Relevant Time, unless specified otherwise.

Condition CriteriaAcne No additional criteria.

Allergy In the last 6 months, You haven’t required treatment by a medical practitioner for this condition.You have no known respiratory conditions (e.g. Asthma).

Asthma You are less than 60 years of age when you purchase the policy.In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner.You have been a non-smoker for at least the last 18 months.You don’t need oxygen outside of a hospital.You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Asthma, Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis.

Bell’s Palsy No additional criteria.

Bunions No additional criteria.

Carpal Tunnel Syndrome

No additional criteria.

CataractsGlaucoma

In the last 90 days, You haven’t had an operation for this condition.You have no ongoing complications of this condition.

Coeliac Disease In the last 6 months, You haven’t been treated by a medical practitioner for this condition.

Congenital Blindness No additional criteria.

Congenital Deafness No additional criteria.

DiabetesGlucose Intolerance

You were diagnosed over 6 months ago.You haven’t had any complications in the last 6 months.You must have a HbA1C score of mmoI/moI 75 or less. You must not be undergoing any treatment for kidney, eye or nerve complications.

Ear Grommets You don’t have an ear infection.

Epilepsy In the last 2 years, You haven’t required medical treatment for this condition.You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke).

Gastric Reflux Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer).

Goitre No additional criteria.

Graves’ Disease No additional criteria.

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Gout No additional criteria.

Hiatus Hernia No additional criteria.

Hip ReplacementKnee ReplacementShoulder ReplacementHip Resurfacing

The procedure was performed more than 6 months ago and less than 10 years ago.You haven’t had any post-operative complications related to that surgery. Post-operative complications include joint dislocation and infection.

Hypercholes- terolaemia (High Cholesterol)

You don’t have a known heart or cardiovascular condition.

Hypertension (High Blood Pressure)

You don’t have a known heart or cardiovascular condition.You don’t have Diabetes (Type I or Type II). Your Hypertension is stable and managed by Your medical practitioner.In the last 12 months, Your prescribed blood pressure medication hasn’t changed.You aren’t suffering symptoms of Hypertension.You aren’t having investigations related to blood pressure.

Menopause You don’t have Osteoporosis.

Migraine No additional criteria.

Peptic Ulcer Gastric Ulcer

In the last 12 months, the Peptic/Gastric Ulcer has been stable.

Plantar Fasciitis No additional criteria.

Raynaud’s Disease No additional criteria.

Skin Cancer Your Skin Cancer isn’t a Melanoma.You haven’t had chemotherapy or radiotherapy for this condition.Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision.

Stenosing Tenosynovitis (Trigger Finger)

No additional criteria.

Urinary Incontinence No additional criteria.

Underactive ThyroidOveractive Thyroid

The cause of Your Underactive/Overactive Thyroid wasn’t a tumour.

Any Other Conditions

Any other Existing Medical Conditions not listed above are not covered by this policy.

If you have a condition which is not on this list and would like cover please call 0800 268 372.

Travel And The Health Of Other People (Non-Traveller)

When booking a trip and buying travel insurance please carefully consider the health of loved ones not travelling with You.

We can only consider claims by You arising from the health or death of a Relative or Your business partner who are not travelling with You if at the Relevant Time that person:

• had not been hospitalised in the previous 2 years for a condition that was directly or indirectly arising from or related to the condition that caused the claim;

• did not reside in a nursing home or require similar home care assistance;

• was not on a waiting list for, or did not know they needed surgery, inpatient treatment or tests at a hospital or clinic;

• did not have a drug or alcohol addiction; and

• did not have a Terminal Illness.

Claims caused by the health of other people (those people not listed above) are not covered by the policy.

PregnancyThe following restrictions apply to all pregnancies and any claim arising from pregnancy:

• No cover is available where complications of this pregnancy or any previous pregnancy had occurred prior to the time the policy was issued.

• No cover is available if You have a multiple pregnancy e.g. twins or triplets.

• No cover is available if the pregnancy was medically assisted e.g. using assisted fertility treatment including hormone therapies or IVF.

• Cover is only provided for unexpected serious pregnancy complications which occur up until the 24th week of pregnancy i.e. up to 23 weeks, 6 days. Gestational age is measured in weeks and days and is calculated from the last known date of Your menstrual period or calculated from staging ultrasound.

• Childbirth is not covered.

• Costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born.

What does this mean?

Expectant mothers should consider if Our products are right for them when travelling after 23 weeks and 6 days gestation as costs for childbirth and neonatal care overseas can be expensive.

For assistance or if You wish to discuss other policy cover options, please contact Your travel agent or call 0800 268 372 for assistance.

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24 Hour Emergency AssistanceAll policyholders have access to Our emergency assistance team when travelling.

24 hours a day, 365 days a year, Our team of doctors, nurses, case managers and travel agents provide the following services:

• Help to find a medical facility and monitor Your medical care

• Paying bills

Becoming ill overseas can be very expensive so those significant medical expenses can be paid by Us directly to the hospital if Your claim is approved.

• Keeping You travelling or getting You Home

Our team can decide if and when it is appropriate to move You or bring You Home and will coordinate the entire exercise.

• Help if passports, travel documents or credit cards are lost

If You need assistance in contacting the issuer of the document, Our emergency assistance team can help; and

• Help to change travel plans

If Your travel consultant is not available to assist with rescheduling in an emergency, Our team can help.

Certain services are subject to a claim being accepted under Your policy.

You must phone Our emergency assistance team as soon as possible if You are admitted to hospital or if You anticipate Your medical or related expenses will exceed $500.

Emergency assistance is just a phone call away

When You call, please have the following information:

• Your policy number

• a phone number to call You back on

Contact Emergency Assistance

Call: +60 3 2263 5731

ClaimsHow To Make A Claim

Complete a claim form

Download a claim form from www.malaysiaairlines.com or call us on 0800 268 372 (or + 60 3 2263 5731) for a form.

Add receipts and other supporting documents

The claim form will list the supporting documents You will need to send through with the completed form.

Send in Your claim

Email Your claim and relevant documents to [email protected]

Send these via post to:

Malaysia Airlines

c/o Cover-More Travel Insurance

PO Box 105-203 Auckland City

Auckland 1143

We may request original receipts and documents, so please make copies before sending the originals in

For further assistance You can;

Call: 0800 268 372 (or + 60 3 2263 5731)

Email: [email protected]

When Will I Hear Back About The Claim?

We try and process claims as quickly as possible. You will hear back within 10 working days from the time We received Your claim. We may approve and settle, investigate or decline the claim or request further information.

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Who Is The Insurer?The insurer of this product is Zurich Australian Insurance Limited (ACN 000 296 640, an overseas registered company incorporated in Australia) (ZAIL), trading as Zurich New Zealand.

References to “Us”, “We” and “Our” in this Policy Wording refer to Zurich New Zealand.

ZAIL is part of the Zurich Insurance Group, a leading multi-line insurer that serves its customers in global and local markets. Zurich provides a wide range of general insurance and life insurance products and services in more than 210 countries and territories. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, including multinational corporations.

As at the date of issue of this document, ZAIL has an insurer financial strength rating of A+ from Standard & Poor’s (Australia) Pty Ltd. This rating shows that the company has strong financial security characteristics. This is reviewed annually and may change from time to time, so please refer to www.zurich.co.nz/content/zurich_nz/about_us/financial-strength to ensure it has not changed.

Standard & Poor’s rating scale for an insurer’s financial strength, together with a summary of Standard & Poor’s description is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), R (Regulatory Supervision), NR (Not Rated). Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Further information on these ratings is available from www.standardandpoors.com.

An overseas policyholder preference applies. Under Australian law, if ZAIL is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on ZAIL’s Australian assets to satisfy New Zealand liabilities.

Who is Cover-More?Cover-More (NZ) Limited (Cover-More), administers the policy (including customer service, medical assessments and claims management) and will usually arrange for the issue of the insurance, either directly or through one of Cover-More’s representatives.

Change Of Terms And ConditionsFrom time to time and where permitted by law, We may change parts of the Policy Wording document. We will issue an endorsement or other document to update the relevant information except in limited cases. Any updates which are not materially adverse to You from the view of reasonable person deciding whether to buy this insurance, may be found on www.covermore.co.nz . You can obtain a paper copy of any updated information without charge by calling 0800 268 372.

Your Duty Of DisclosureYou have a legal duty of disclosure to Us whenever You apply for or change an insurance policy.

What You Must Tell Us

You have a general duty to disclose to Us everything that You know, or could reasonably be expected to know, is relevant to Our decision whether to insure You and, if We do, on what terms.

However, Your duty does not require You to disclose anything:

• that reduces the risk to be undertaken by Us;

• that is generally well known;

• that We know or, in the ordinary course of Our business, ought to know; or

• in respect of which We have waived Your duty.

If You Do Not Tell Us

If You do not answer Our questions honestly or do not properly disclose to Us, We may reduce or refuse to pay a claim or may cancel the policy. If You act fraudulently in answering Our questions or not disclosing to Us, We may refuse to pay a claim or treat the policy as never having existed.

Your General Duty Applies To Changes

Your general duty applies in full when You change or reinstate the insurance policy.

Who Needs To Tell Us

It is important that You understand You are disclosing to Us and answering Our questions for Yourself and anyone else You want to be covered by the policy.

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We Respect Your PrivacyWe adhere to the Privacy Act 1993 when We collect and handle Your personal information. You have the right to access and correct Your personal information. We collect personal information for the purposes of providing insurance services to You, including:

• evaluating Your application;

• evaluating any request for a change to any insurance provided;

• providing, administering, and managing the insurance services following acceptance of an application; and

• investigating and if covered, managing claims made in relation to any insurance You have with Us or other companies within the same group.

For further information on Our privacy policy refer to www.covermore.co.nz.

Data Sharing ConsentIn order to provide a seamless insurance service globally, Cover-More transfers data to Zurich New Zealand, the Insurer. Zurich New Zealand may transfer any data it has received from and any data it holds on You (‘policyholder’) to other units of Zurich Insurance Group Ltd, such as branches, subsidiaries, or affiliates within Zurich Insurance Group Ltd, cooperative partners of Zurich Insurance Group Ltd, coinsurance and reinsurance companies located in the country of the policyholder or abroad.

Cover-More, Zurich New Zealand and such recipients may use, process and store the data, in particular for the purpose of risk evaluation, policy execution, premium setting, premium collection, claims assessment, claims processing, claims payment, statistical evaluation or to otherwise ensure Zurich’s global insurance service delivery.

If Cover-More or their agent is acting on Your behalf, Zurich New Zealand is authorised to use, process and store data of the policyholder received from Cover-More or such agent, and to forward to Cover-More or such agent data of the policyholder relating to the execution of the policy and the collection of premiums and payment of claims.

Cover-More or Zurich New Zealand may procure data from government offices and third parties relating to the policyholder to assess a claim in the event of loss or damage.

Zurich New Zealand’s contact details are:

Mail: Zurich New Zealand PO Box 497, Shortland Street, Auckland 1140

Information About Other ProductsCover-More may provide information to You regarding other insurance products. Cover-More may also provide Your contact details to the providing agent so that they can provide information to You regarding certain products. If You do not wish to receive this information please contact Cover-More quoting Your policy number.

The Fair Insurance CodeZurich New Zealand is a signatory to the Fair Insurance Code. The Fair Insurance Code is a code of practice that:

• sets minimum service standards for insurance companies

• describes the responsibilities that You and Your insurance company have to each other, and

• encourages professionalism in the insurance industry.

The Code covers all insurance products except health insurance and life insurance. The Code only applies to individuals and entities with 19 or fewer employees. Further information about the Code can be obtained from www.icnz.org.nz.

Resolving ComplaintsIf You think We (or one of Our representatives) have let You down in any way, please call Us on 0800 268 371, email [email protected], or visit www.covermore.co.nz for details of Our complaint process.

We aim to resolve Your complaint fairly and promptly. However, if You are not satisfied You can refer the matter to the Insurance & Financial Services Ombudsman (IFSO), an independent body whose services are free to You. As a member We agree to accept the IFSO’s decision where We are bound to do so.

You can contact the IFSO by:

Mail: Insurance & Financial Services Ombudsman PO Box 10-845 Wellington 6143 NEW ZEALAND

Call: 0800 888 202 or +64 (04) 499 7612

Fax: +64 (04) 499 7614

Website: www.ifso.org.nz

Email: [email protected]

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Policy WordingThe benefits described in this policy wording should be read in conjunction with the Policy Inclusions (page 4), Travel And Health (pages 5-6), Your Duty Of Disclosure (page 8), Words With Special Meaning (pages 10-11), Policy Conditions (pages 11-13) and General Exclusions (pages 19-20).

THE POLICY IS NOT VALID UNLESS A CERTIFICATE OF INSURANCE IS ISSUED TO YOU BY COVER-MORE TRAVEL INSURANCE.

We will give You the insurance cover described in the policy in return for receiving the total Amount Payable.

The policy is issued on the basis that, and it is a condition of this policy that:

• You are not aware of any circumstance which is likely to give rise to a claim;

• You are a permanent resident of New Zealand and will be returning to Your Home at the completion of the Period Of Insurance and within 12 months of the Journey commencing;

• You must be 59 years of age or less at the issue date shown on Your Certificate of Insurance.

Words With Special Meaning

In this PDS the following words have the following meaning:

“We”, “Our”, “Us” means Zurich New Zealand.

“You”, “Your”, “Yourself” means the people listed as adults on the Certificate of Insurance and includes Accompanied Children. Where more than one person is listed as an adult on the Certificate of Insurance all benefits, limitations, conditions and exclusions will be interpreted as if a separate policy was issued to each of the persons listed as an adult other than:

a) in the event a claim arising from the one event is made, an excess (if applicable) will only be applied once;

b) in the case of luggage item limits which shall be as per a single policy;

c) for Section 3 on Plan I where the limit chosen applies per policy.

In respect of organised groups, each child not travelling with their usual guardian must purchase a separate policy.

“Accompanied Children” means Your children or grandchildren plus one non-related child per adult policyholder who are identified on the Certificate of Insurance and travelling with You on the Journey, provided they are under the age of 12 years.

“Act Of Terrorism” means an act, including but not limited to the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), which from its nature or context is done for, or in connection with, political, religious, ideological, ethnic or similar purposes or reasons, including the intention to influence any government and/or to put the public, or any section of the public in fear.

“Additional” means the cost of the accommodation or transport You actually use less the cost of the accommodation or transport You expected to use had the Journey proceeded as planned.

“Amount Payable” means the total amount payable for this insurance cover and the amount shown on Your Certificate of Insurance.

“Disabling Injury, Sickness or Disease” means a disabling injury, sickness or disease which first shows itself during the Period Of Insurance and which requires immediate treatment by a qualified medical practitioner or dentist.

“Epidemic” means a fast-spreading contagious or infectious disease or illness in an area as documented by a recognised public health authority.

“Existing Medical Condition” means a disease, illness, medical or dental condition or physical defect that at the Relevant Time meets any one of the following:

a) has required an emergency department visit, hospitalisation or day surgery procedure within the last two years;

b) requires

(i) prescription medication from a qualified medical practitioner;

(ii) regular review or check-ups;

(iii) ongoing medication for treatment or risk factor control;

(iv) consultation with a specialist;

c) has

(i) been medically documented involving the brain, circulatory system, heart, kidneys, liver, respiratory system or cancer;

(ii) required surgery involving the abdomen, back, joints or spine;

(iii) shown symptoms or signs however, a medical opinion or investigation has not been sought to confirm or provide a diagnosis; or

d) is

(i) chronic or ongoing (whether chronic or otherwise) and medically documented;

(ii) under investigation;

(iii) pending diagnosis; or

(iv) pending test results.

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“Home” means Your usual place of residence in New Zealand.

“Insolvency” means bankruptcy, provisional liquidation, liquidation, insolvency, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection, presentation of a petition for the compulsory winding up of, stopping the payment of debts or the happening of anything of a similar nature under the laws of any jurisdiction.

“International Waters” means waters outside the jurisdiction territory of any country.

“Journey” means the period commencing at the time You leave Home and ceasing at the time You return Home.

“Limbs” means a hand at or above the wrist or a foot at or above the ankle.

“Pandemic” means an Epidemic that is expected to affect an unusually large number of people or involves an extensive geographic area.

“Period Of Insurance” means from the time You commence the Journey or the travel start date shown on Your Certificate of Insurance (whichever is later) until the time You complete the Journey or the travel end date shown on Your Certificate of Insurance (whichever is the earlier).

Cover under Section 3 begins from the time the policy is issued. The dates on Your Certificate Of Insurance can only be changed with Our consent. In respect of Section 9, cover is suspended while You are in New Zealand and will recommence once You resume the Journey, subject to the original expiry date.

“Permanent” means a period of time lasting 12 consecutive months after the expiry of which We consider there is no reasonable prospect of improvement.

“Professional” means undertaking any activity for which financial payment is received from another person or party.

“Public Place” means any place the public has access to including but not limited to airports, beaches, hotel foyers and grounds, ports, private car parks, restaurants, shops and streets.

“Registered Psychiatrist” means a psychiatrist registered with and accredited by the Medical Council of New Zealand or, if You are overseas, an equivalent regulatory body which governs psychiatrists in the jurisdiction in which You seek medical assistance.

“Relative” means Your spouse, de facto, parent, grandchild, brother, sister, son-in-law, daughter-in-law, parent-in-law, grandparent, child, step-parent, brother-in-law, sister-in-law, fiancé(e), first cousin, aunt, uncle, niece and nephew.

“Relevant Time” means the time of issue of the policy.

“Rental Car” means a rented sedan, campervan, motorhome or people mover that each does not exceed 4.5 tonnes; hatchback or station-wagon (including 4WDs) rented from a licensed motor vehicle rental company.

“Terminal Illness” means a medical condition for which a terminal prognosis has been given by a qualified medical practitioner and which is likely to result in death.“Transport Provider” means a properly licensed coach operator, airline, shipping line or railway company.

“Unattended” means:

a) You did not observe the loss/theft; or

b) at a distance from You such that You do not have a good chance of preventing any attempted theft.

“Valuables” means articles made of or containing gold, silver or precious metals; binoculars; jewellery; mobile phones; photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including computer games, portable navigation equipment or media); precious stones; smart phones; telescopes and watches.

Policy Conditions1. Limits Of Liability

The limits of Our liability for each Section of the policy are the amounts shown in the relevant Benefits Table (on page 3) except:

a) the maximum liability collectively for Sections 12, 13 and 14 shall not exceed $15,000; or

b) where We have notified You in writing of different limits such as Your Certificate of Insurance.

2. Cooling Off Period/Refund Of Amount Payable

You have the right to cancel the policy by notifying Us in writing within 15 working days (i.e. Monday to Friday excluding public holidays where You are) of the date the policy was issued to You (“cooling off period”). Provided the circumstances specified in paragraphs (a) or (b) below do not apply, You are entitled, during the cooling off period, to a complete refund of the amount You have paid for the policy. You are not entitled to a complete refund if, during the cooling off period, You:

a) make a claim under the policy; or

b) cancel the policy after the commencement of the Journey.

We will not refund any of the Amount Payable if notified outside the cooling off period.

3. Claims

a) The loss or theft of luggage, personal effects, travel documents or money must be reported within 24 hours to the police and (where applicable) the responsible Transport Provider and a written report must be obtained at that time.

b) If You are admitted to hospital or You anticipate Your medical expenses and Additional expenses are likely to exceed $500 You must phone the emergency assistance number as soon as physically possible.

c) You must take all reasonable steps to prevent or minimise a claim.

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d) You must not make any offer, promise of payment or admit any liability without Our written consent.

e) You must advise Us of any claim or occurrence which may give rise to a claim as soon as possible and within 60 days of the return date shown on Your Certificate of Insurance by sending a completed claim form.

f) You must at Your own expense, supply any documents in support of Your claim which We may request, such as an original police report, a Property Irregularity Report (P.I.R.), receipts, valuations, a repair quote, a death certificate and/or medical certificate.

g) You must co-operate fully in the assessment or investigation of Your claim.

h) If You make or try to make a false, exaggerated or fraudulent claim or use any false, exaggerated or fraudulent means in trying to make a claim, We will not pay Your claim, Your cover under this policy will be voided (without any return of the amount You have paid), We may report You to the appropriate authorities and You may be prosecuted.

i) If We agree to pay a claim under Your policy We will base any claim payment on the Goods and Services Tax (GST) inclusive costs (up to the relevant limits of liability). However, We will reduce any claim payment by any input tax credit You are, or would be, entitled to for the repair or replacement of insured property or for other things covered by this policy.

4. If You Are Able To Claim From Another Party

If You are able to claim against another travel insurer, household insurer, private health fund, hotel, carrier, workers’ compensation scheme, travellers’ compensation fund, New Zealand Accident Compensation Scheme (application is compulsory for all injuries incurred overseas) or other statutory fund or anyone else for monies otherwise payable under this policy You must do so and the policy will only cover the balance of Your claim.

5. You Must Help Us To Make Any Recoveries

We have the right to sue any other party in Your name to recover money payable under the policy or to choose to defend any action brought against You. You must provide reasonable assistance to Us.

6. Claims Payable In New Zealand Dollars

All amounts payable and claims are payable in New Zealand dollars at the rate of exchange applicable at the time the expenses were incurred.

7. Policy Interpretation And Dispute Resolution

The policy shall be interpreted in accordance with the law of New Zealand. The parties submit to the jurisdiction of the courts of New Zealand.

8. Emergency Assistance

a) Where Your claim is excluded or falls outside the policy coverage, the giving of emergency assistance will not in itself be an admission of liability.

b) The medical standards, sanitary conditions, reliability of telephone systems and facilities for urgent medical evacuations differ from country to country. Responsibility for any loss, medical complication or death resulting from any factor reasonably beyond Our control cannot be accepted by Our emergency assistance, Malaysia Airlines, Cover-More or Us.

9. Free Extension Of Insurance

Where Your Journey is necessarily extended due to an unforeseeable circumstance outside Your control, Your Period Of Insurance will be extended until You are able to travel Home by the quickest and most direct route. The Period Of Insurance will not be extended for any other reason.

10. Special Conditions, Limitations, Excesses And Amounts Payable

If in the last 5 years You have:

a) made 3 or more travel insurance claims;

b) had insurance declined or cancelled or had a renewal refused or claim rejected; or

c) been in prison or had any criminal conviction other than driving offences)

cover must be separately applied for and accepted by Us, and it may be subject to special conditions, limitations, excesses and amounts payable.

We will notify You in writing of these before We issue the policy.

11. Policy Conditions Applying To Sections 1 And 2 Only

a) We have the option of returning You to New Zealand if the cost of medical and/or Additional Expenses overseas are likely to exceed the cost of returning You to New Zealand subject always to medical advice. We also have the option of evacuating You to another country.

b) In all cases the cost of evacuation or to bring You back to New Zealand will only be met if it was arranged by and deemed necessary by Our emergency assistance network.

c) If We request that You be moved to another hospital, return to New Zealand or be evacuated to another country and You refuse, We will only consider:

(i) Your costs and expenses per Sections 1 and 2 (as applicable) incurred up to the time of Our request; and

(ii) the lesser of:

- an amount equivalent to the costs and expenses per Sections 1 and 2 (as applicable) that You would have incurred after Our request had You moved to another hospital, returned to New Zealand or been evacuated to another country as requested; or

- Your costs and expenses actually incurred after Our request.

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d) If You are hospitalised We will pay for a share room. If a share room is not available We will, at Our discretion and that of Our medical advisers, pay to upgrade You to a single room.

e) If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses.

12. Policy Conditions Applying To Sections 12, 13 And 14 Only

a) If the conveyance You are travelling in disappears, sinks or crashes and Your body has not been found after 12 months You will be presumed to have died.

b) You must obtain and follow advice and treatment given by a qualified doctor as soon as possible after suffering a disabling injury, during the Period Of Insurance.

13. Sanctions Regulation

Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment, service, benefit and/or activity of Yours would violate any applicable trade or economic sanctions, law or regulation.

The BenefitsSection 1. Medical And Dental Expenses


If You suffer a Disabling Injury, Sickness or Disease We will pay the usual and customary cost of medical treatment, ambulance transportation and emergency dental treatment which is provided outside New Zealand by or on the advice of a qualified medical practitioner or dentist. In these circumstances We will also pay the reasonable Additional cost of medically required transportation.

Upon Your return Home We will also pay up to $1,500 for continued medical, surgical and hospital treatment on Plan I. If no treatment was sought overseas, We will also pay up to $1,500, but You must seek treatment within 72 hours of Your arrival in New Zealand.

Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease.

The maximum benefit limit for this section is:

Comprehensive Plan $Unlimited

We Will Not Pay For:

1. more than $1,500 for medical or dental treatment in New Zealand.

2. dental treatment caused by or related to the deterioration and/or decay of teeth or associated tissue; involving the use of precious metals; or involving cosmetic dentistry.

3. the continuation or follow-up of treatment (including medication and ongoing immunisations) started prior to Your Journey.

4. routine medical or dental treatment or prenatal visits.

5. private medical treatment in New Zealand when public care or treatment is available.

6. private medical treatment overseas where public care or treatment is available under any reciprocal health agreement between the New Zealand and foreign governments unless We agree to the private treatment.

Also refer to: General Exclusions – pages 19-20. Policy Conditions – pages 11-13.

Section 2. Additional Expenses

“Additional” means the cost of the accommodation or transport You actually use less the cost of the accommodation or transport You expected to use had the Journey proceeded as planned.“Disabling Injury, Sickness or Disease” means a disabling injury, sickness or disease which first shows itself during the Period Of Insurance and which requires immediate treatment by a qualified medical practitioner or dentist.“Home” means Your usual place of residence in New Zealand.“Relative” means Your spouse, de facto, parent, grandchild, brother, sister, son-in-law, daughter-in-law, parent-in-law, grandparent, child, step-parent, brother-in-law, sister-in law, fiancé(e), first cousin, aunt, uncle, niece and nephew.

1. If You Become Sick

Cover is subject to the written advice of the treating qualified medical practitioner and acceptance by Our emergency assistance team.

If You suffer a Disabling Injury, Sickness or Disease, We will pay the reasonable Additional accommodation (room rate only) expenses and Additional transport expenses, at the same fare class and accommodation standard as originally booked, incurred by:

a) You. The benefit ceases when You are able to continue Your Journey, travel Home or on the completion of the Period Of Insurance, whichever is the earlier.

b) Your travelling companion who remains with or escorts You until You are able to continue Your Journey, travel Home or on the completion of the Period Of Insurance, whichever is the earlier.

c) one person (e.g. a Relative) (if You don’t have a travelling companion with You already) who travels to and remains with You following You being hospitalised as an inpatient. The benefit ceases when You are able to continue Your Journey, travel Home or on the completion of the Period Of Insurance, whichever is the earlier.

We will also pay the reasonable expenses incurred in returning Your Rental Car to the nearest depot if You suffer a Disabling Injury, Sickness or Disease provided that, on the written advice of the treating qualified medical practitioner, You are unfit to drive it.

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2. If You Die

We will pay reasonable overseas funeral or cremation expenses or the cost of returning Your remains to New Zealand if You die during the Period Of Insurance. In either event the maximum amount We will pay in total will not exceed $20,000.

3. If A Relative Or Your Business Partner Becomes Sick We will pay reasonable Additional transport expenses at the same fare class as originally booked if You are required to return Home due to the sudden Disabling Injury, Sickness or Disease or death of a Relative or Your business partner.

4. If Your Home Is Destroyed By Fire, Earthquake Or Flood

We will pay the reasonable Additional transport expenses at the same fare class as originally booked for Your early return Home if it is totally destroyed by fire, earthquake or flood while You are on Your Journey.

5. Other Circumstances

We will pay Your reasonable Additional accommodation (room rate only) and Additional transport expenses, at the same fare class and accommodation standard as originally booked, incurred on the Journey due to an unforeseeable circumstance outside Your control and resulting from:

a) disruption of Your scheduled transport because of riot, strike or civil commotion occurring after the commencement of the Journey provided You act reasonably in avoiding Additional costs;

b) loss of passport or travel documents except involving government confiscation or articles sent through the mail;

c) a quarantine regulation You unknowingly breach;

d) a natural disaster;

e) a collision of a motor vehicle, watercraft, aircraft or train in which You are travelling;

f) Your scheduled transport being delayed for at least 12 hours due to severe weather conditions. We will pay up to $250 providing written confirmation from the Transport Provider has been obtained.



For approved claims under this Section and Section 3 for the same or similar Additional expenses or prepaid travel costs over the same period, We pay the higher of the two amounts claimed, not both.


1. any costs or expenses incurred prior to You being certified by a qualified medical practitioner as unfit to travel.

2. claims under Section 2.3 and 2.5 arising from an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses, or the threat or perceived threat of any of these.


Section 3. Amendment Or Cancellation Costs

If due to circumstances outside Your control and unforeseeable at the Relevant Time:

1. You have to rearrange Your Journey prior to leaving Home, We will pay the reasonable cost of doing so (We will not pay more for rearranging Your Journey than the cancellation costs which would have been incurred had the Journey been cancelled).

2. You have to cancel the Journey (where You cannot rearrange it prior to leaving Home) We will pay You:

a) the non-refundable unused portion of all travel costs prepaid in advance including the travel agent’s commission (the travel agent’s commission is limited to the lesser of $4,000 or the amount of commission the agent had earned on the prepaid refundable amount of the cancelled travel arrangements).

b) for frequent flyer or similar flight reward points lost following cancellation of Your airline ticket. The amount We will pay is calculated as follows:

(i) the cost of the equivalent class airline ticket, based on the best available advance purchase airfare at the time the claim is processed, less Your financial contribution towards the airline ticket multiplied by

(ii) the total amount of points lost divided by

(iii) the total amount of points used to obtain the airline ticket.



For approved claims under this Section and Section 2 for the same or similar Additional expenses or prepaid travel costs over the same period, We pay the higher of the two amounts claimed, not both.

We Will Not Pay For Claims Caused By:

1. Transport Provider caused cancellations, delays or rescheduling other than when caused by strikes.

2. the disinclination of You or any other person to proceed with the Journey or deciding to change plans.

3. any costs or expenses incurred prior to You being certified by a qualified medical practitioner as unfit to travel.

4. anxiety, depression, mental illness or stress suffered by You, a Relative or another person unless referred to and diagnosed by a Registered Psychiatrist as a new condition (i.e. not an Existing Medical Condition) and:

a) You are certified as unfit to travel by the treating Registered Psychiatrist; or

b) the treating Registered Psychiatrist certifies that it was medically necessary for You to amend or cancel Your Journey to assist a Relative or another person.

5. the death, injury, sickness or disease of any person living outside New Zealand except where they are a Relative or Your business partner.

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6. any contractual or business obligation or Your financial situation.

7. failure by You or another person to obtain the relevant visa, passport or travel documents.

8. errors or omissions by You or another person in a booking arrangement.

9. the standards and expectations of Your prepaid travel arrangements being below or not meeting the standard expected.

10. the failure of Your travel agent, Our agent who issued this policy, any tour operator, transport or accommodation supplier or provider, person or agency to pass on monies to operators or to deliver promised services.

11. a request by a Relative.

12. a request by Your employer unless You are a member of the police force and Your leave is revoked.

13. a lack in the number of persons required to commence any tour, conference, accommodation or travel arrangements or due to the negligence of a wholesaler or operator. This exclusion does not apply where Your prepaid tour is cancellation or rearranged before You leave New Zealand. In this event, We will pay the reasonable additional costs You incur to change Your travel plans so that You can continue with Your original overseas travel plans, up to $500.

14. customs and immigration officials acting in the course of their duties or You travelling on incorrect travel documents.

15. or arising directly or indirectly from an Act Of Terrorism or the threat or perceived threat of an Act Of Terrorism.

16. or arising from an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses, or the threat or perceived threat of any of these.


Section 4. Luggage And Travel Documents

“Valuables” means articles made of or containing gold, silver or precious metals; binoculars; jewellery; mobile phones; photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including computer games, portable navigation equipment or media); precious stones; smart phones; telescopes and watches.“Unattended” means:a) You did not observe the loss/theft; orb) at a distance from You such that You do not have a good

chance of preventing any attempted theft.“Public Place” means any place the public has access to including but not limited to airports, beaches, hotel foyers and grounds, ports, private car parks, restaurants, shops and streets.

1. Loss, Theft Or Damage

If during the Period Of Insurance Your luggage or personal effects are lost, stolen or damaged, after deducting reasonable depreciation (where applicable and as determined by Us) We will replace, provide a replacement voucher, repair or pay You the monetary value of the item. It is Our choice which of these We do.

This policy is an indemnity policy which means settlement of Your claim is based on the value of an item at the time of the loss and not on a ‘new for old’ or replacement cost basis. Reasonable depreciation takes into account the amount paid originally for the item, its age, wear and tear and advances in technology.

Our payment will not exceed the original purchase price of an item with a limit for any one item, set or pair of items including attached and unattached accessories of $1,500 or $3,000 for camera, video camera equipment and laptop or tablet computers.

For example a camera, camera accessories, lenses and tripod (attached or not) are considered one item. A necklace and pendant are considered one item.

2. Travel Document Replacement

We will pay You for the cost of replacing travel documents and credit cards lost or stolen on the Journey. We will also pay for Your legal liability arising from their illegal use. You must however comply with all the conditions of the issue of the document prior to and after the loss or theft.


Comprehensive Plan $25,000


1. loss or theft which is not reported to the:

a) police within 24 hours; and

b) the responsible Transport Provider (where Your items are lost or stolen whilst travelling with a Transport Provider).

All cases of loss or theft must be confirmed in writing by the police (and Transport Provider where applicable)at the time of making the report and a written report obtained.

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2. damage, loss or theft of Valuables placed in the care of a Transport Provider unless security regulations prevented You from keeping the Valuables with You.

3. Valuables left Unattended in any motor vehicle at any time (even if in the boot).

4. items left Unattended in any motor vehicle unless stored in the boot and forced entry is gained.

5. items left Unattended in any motor vehicle between 10pm and 6am (even if in the boot).

6. any amount exceeding $2,000 in total for all items left Unattended in any motor vehicle.

7. items left Unattended in a Public Place.

8. drones (including attached and unattached accessories) whilst in use.

9. sporting equipment whilst in use.

10. items sent under the provisions of any freight contract or any luggage forwarded in advance or which is unaccompanied.

11. surfboards or waterborne craft of any description. This exclusion does not apply if the item is lost, stolen or damaged while in the custody of a Transport Provider.

12. damage to fragile or brittle articles unless caused by a fire or motor vehicle collision. This exclusion does not apply to spectacles; lenses in cameras and video cameras; laptop and tablet computers; or binoculars.

13. damage caused by atmospheric or climatic conditions, wear and tear, vermin or any process of cleaning, repairing, restoring or alteration.

14. electrical or mechanical breakdown.

15. information stored on any electronic device or other media, including digital photos, downloaded files, electronic applications, programmed data, software or any other intangible asset.

16. bonds, coupons, gift cards, stamps, vouchers, warranties, pre-loaded or rechargeable cards including but not limited to phone, debit or stored value cards.

17. bullion, deeds, insurance premiums, manuscripts, negotiable instruments, precious metals or securities.

18. items described in Section 6 Money.


Section 5. Delayed Luggage Allowance

“Home” means Your usual place of residence in New Zealand.

If all Your luggage is delayed by a Transport Provider during the Journey for more than 24 hours We will pay You up to $500 for essential emergency items of clothing and toiletries You purchase overseas. This limit will be increased by $500 if You still have not received Your luggage after 48 hours and will increase by a further $500 if You still have not received Your luggage after 72 hours. We will only pay for purchases made before Your luggage is returned to You.

The original receipts for the items and written confirmation of the length of delay from the Transport Provider must be produced in support of Your claim. If Your luggage is not ultimately returned to You any amount claimable under this section will be deducted from any entitlement under Section 4 of this policy.

This section does not apply on the leg of the Journey that returns You Home.




1. delay which is not reported to the responsible Transport Provider within 24 hours. All reports must be confirmed in writing by the Transport Provider at the time of making the report and a written report obtained.


Section 6. Money

We will reimburse You for cash, bank or currency notes, postal or money orders accidentally lost or stolen from Your person during the Period Of Insurance.


Comprehensive Plan $500


1. loss or theft which is not reported within 24 hours to the:

a) police; and

b) responsible Transport Provider (where Your items are lost or stolen whilst travelling with a Transport Provider).

All cases of loss or theft must be confirmed in writing by the police (and Transport Provider where applicable) at the time of making the report and a written report obtained.

2. loss or theft of cash, bank or currency notes, postal or money orders whilst not carried on Your person.


Section 7. Rental Car Insurance Excess

“Rental Car” means a rented sedan, campervan, motorhome or people mover that each does not exceed 4.5 tonnes; hatchback or station-wagon (including 4WDs) rented from a licensed motor vehicle rental company.

This cover applies if You:

a) hire a Rental Car;

b) are the nominated driver on the Rental Car agreement; and

c) have comprehensive motor vehicle insurance for the Rental Car for the hire period.

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If the Rental Car is damaged or stolen whilst in Your control during the Journey We will pay the lower of the Rental Car insurance excess or the repair costs to the Rental Car that You become liable to pay.

It is Your responsibility to provide the final loss/repair report to substantiate Your claim.




1. damage or theft, arising from the operation of a Rental Car in violation of the terms of the rental agreement.

2. damage sustained to a Rental Car while it is being driven on an unsealed surface.

3. administration costs or loss of use penalties.


Section 8. Travel Delay

“Additional” means the cost of the accommodation or transport You actually use less the cost of the accommodation or transport You expected to use had the Journey proceeded as planned.

If Your pre-booked transport is temporarily delayed during the Journey for at least 6 hours due to an unforeseeable circumstance outside Your control, We will reimburse You up to $200 for reasonable Additional accommodation (room rate only) expenses. We will also reimburse up to these limits again for each full 24 hour period that the delay continues beyond the initial 6 hour delay.

You must claim from the Transport Provider first, and provide Us with written confirmation from the Transport Provider of the cause and period of the delay and the amount of compensation offered by them. You must also provide Us with receipts for the Additional accommodation (room rate only) expenses incurred.




1. claims arising directly or indirectly from an Act Of Terrorism or the threat or perceived threat of an Act Of Terrorism.

2. claims arising from an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses, or the threat or perceived threat of any of these.


Section 9. Resumption Of Journey

“Home” means Your usual place of residence in New Zealand. “Relative” means Your spouse, de facto, parent, grandchild, brother, sister, son-in-law, daughter-in-law, parent-in-law, grandparent, child, step-parent, brother-in-law, sister-in law, fiancé(e), first cousin, aunt, uncle, niece and nephew.

If You are required to return Home during the Journey due to the sudden serious injury, sickness, disease or death of a Relative or Your business partner in New Zealand, We will pay for the economy class transport costs You incur to return overseas provided:

a) Your Period Of Insurance was at least 23 days;

b) less than 50% of the Period Of Insurance had elapsed at the time of the onset of the sudden serious injury, sickness, disease or death of a Relative or Your business partner;

c) Your return overseas occurs prior to the original expiry date of Your cover for Your original Journey;

d) no claim due to the same event is made under Section 3 of this policy;

e) the death was not caused by an illness or injury appearing prior to the commencement of Your original Journey; and

f) the onset of the illness or injury did not occur prior to the commencement of Your original Journey.




Section 10. Hospital Incidentals


If You are hospitalised, We will reimburse You for incidentals such as phone calls and magazines. The amount We will pay is limited to $50 for each night You are hospitalised overseas as a result of a Disabling Injury, Sickness or Disease, provided that the period of confinement is at least 48 hours. Original receipts for these expenses must be produced in support of Your claim.




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Section 11. Hijacking

If whilst on the Journey You are detained on a means of public transport due to it being hijacked by persons using violence or threat of violence We will pay You $1,000 for each 24 hour period You are forcibly detained by the hijackers.




Section 12. Loss Of Income

If during the Period Of Insurance You suffer an injury caused solely and directly by violent, accidental, visible and external means (not caused by a sickness or disease) resulting in You losing income because you are unable to return to Your usual place of employment in New Zealand, We will pay You up to $1,000 per month for Your monthly net of income tax wage, but not in respect of the first 30 days after You originally planned to resume Your work in New Zealand. The benefit is only payable if Your disability occurs within 30 days of the accident. The maximum limit in respect of Accompanied Children is $1,000 for each child. Cover for loss of income is limited to nine months.


Comprehensive Plan $9,000*

* Maximum liability collectively for Sections 12, 13 and 14 is $15,000.


Section 13. Disability

“Limbs” means a hand at or above the wrist or a foot at or above the ankle.“Permanent” means a period of time lasting 12 consecutive months after the expiry of which We consider there is no reasonable prospect of improvement.

If during the Period Of Insurance You suffer an injury caused solely and directly by violent, accidental, visible and external means (not caused by a sickness or disease) resulting in Your Permanent total loss of sight in one or both eyes or the Permanent total loss of use of one or more Limbs within one year of the date of the accident, We will pay You the amount shown in the Benefits Table.



* Maximum liability collectively for Sections 12, 13 and 14 is $15,000.


Section 14. Accidental Death

If during the Period Of Insurance You suffer an injury caused solely and directly by violent, accidental, visible and external means (not caused by a sickness or disease) resulting in Your death, We will pay Your estate the amount shown in the Benefits Table provided Your death occurs within one year of the accident the maximum limit in respect of Accompanied Children is $1,000 for each child.



* Maximum liability collectively for Sections 12,13 and 14 is $15,000.


Section 15. Legal Expenses

We will pay Your reasonable legal expenses if You are falsely arrested or wrongfully detained by any Government or foreign power.




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Section 16. Personal Liability

We will provide cover if, as a result of Your negligent act occurring during the Period Of Insurance, You become unintentionally legally liable to pay compensation in respect to damage caused to someone else’s property or the injury or death of someone else.


Comprehensive Plan $2,500,000


1. liability You become liable to pay to somebody who is a member of Your family or travelling party or employed by You or deemed to be employed by You.

2. liability arising from loss or damage to property which is in Your legal custody or control.

3. liability arising from the conduct by You of any profession, trade or business.

4. liability arising out of the use or ownership by You of any aircraft, drone, firearm, waterborne craft or mechanically propelled vehicle.

5. liability arising out of occupation or ownership of any land, buildings or immobile property.

6. liability arising out of any wilful or malicious act.

7. liability arising out of the transmission of an illness, sickness or disease.

8. liability involving punitive, exemplary or aggravated damages or any fine or penalty.

9. liability arising out of Your liability under a contract or agreement unless You would be liable if that contract or agreement did not exist.


General ExclusionsWe Will Not Pay For:

1. claims for costs or expenses incurred outside the Period Of Insurance.

2. claims involving consequential loss of any kind including, but not limited to, loss of enjoyment or any financial loss not specifically covered in the policy.

3. claims directly or indirectly arising from loss, theft or damage to property, or death, illness or bodily injury if You fail to take reasonable care or put Yourself in a situation where a reasonable person could foresee that loss, theft or damage to property, or a death, illness or bodily injury might happen.

4. claims involving air travel other than as a passenger on a fully licensed passenger carrying aircraft operated by an airline or an air charter company.

5. claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

6. claims arising directly or indirectly from any nuclear reaction or contamination, ionising rays or radioactivity.

7. loss or damage caused by detention, confiscation or destruction by customs or other officials or authorities.

8. claims arising from any unlawful act committed by You or if You have not been honest and frank with all answers, the accuracy of information, statements and submissions made in connection with Your insurance application or claim.

9. claims arising from any government intervention, prohibition, regulation or restriction or court order.

10. claims directly or indirectly arising from circumstances You knew of, or a reasonable person in Your circumstances would know or foresee, at the Relevant Time, that could lead to the Journey being delayed, abandoned or cancelled.

11. claims directly or indirectly arising from travel booked or undertaken by You:

a) even though You knew, or a reasonable person in Your circumstances would know, You were unfit to travel, whether or not You had sought medical advice;

b) against the advice of a medical practitioner;

c) to seek or obtain medical or dental advice, treatment or review; or

d) to participate in a clinical trial.

12. claims in respect of travel booked or undertaken after Your Terminal Illness was diagnosed.

13. claims directly or indirectly arising from, or exacerbated by, any Existing Medical Condition You or Your travelling companion has.

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14. claims directly or indirectly arising from pregnancy of You or any other person:

a) where complications of this pregnancy or any previous pregnancy had occurred prior to the time the policy was issued;

b)) where it is a multiple pregnancy e.g. twins or triplets; or

c) where the conception was medically assisted e.g. using assisted fertility treatment including hormone therapies or IVF.

15. claims directly or indirectly arising from:

a) pregnancy of You or any other person after the start of the 24th week of pregnancy; or

b) pregnancy of You or any other person where the problem arising is not an unexpected serious medical complication.

16. claims directly or indirectly arising from childbirth or the health of a newborn child whatever the proximate cause of the claim is. This exclusion applies irrespective of the stage of pregnancy at which the child is born.

17. claims directly or indirectly arising from You having elective medical or dental treatment or surgery, a cosmetic procedure or body modification (including tattoos and piercings) during the Journey.

18. claims involving or directly or indirectly arising from Your suicide, attempted suicide, self-inflicted injury or condition, stress, travel exhaustion, any conduct engaged in whilst under the influence or effect of alcohol or drugs, the effect of or chronic use of alcohol or drugs or the transmission of any sexually transmittable disease or virus.

19. claims directly or indirectly arising from or exacerbated by the health of a Relative or Your business partner who are not travelling, unless at the Relevant Time that person:

a) had not been hospitalised in the previous 2 years for a condition that was directly or indirectly arising from or related to the condition that caused the claim;

b) did not reside in a nursing home or require similar home care assistance;

c) was not on a waiting list for, or did not know they needed surgery, inpatient treatment or tests at a hospital or clinic;

d) did not have a drug or alcohol addiction; and

e) did not have a Terminal Illness.

20. claims directly or indirectly arising from, or exacerbated by the health of any other person not listed in general exclusion 19.

21. any Goods and Services Tax (GST) liability or any fine, charge or penalty You are liable for because of a failure to fully disclose to Us Your input tax credit entitlement for the Amount Payable.

22. losses for which insurance or the payment is prohibited by law.

23. claims arising from the failure of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency or the Insolvency of any person, company or organisation they deal with.

24. claims involving You travelling (during the Journey) in International Waters in a private sailing vessel or a privately registered vessel.

25. claims involving participation by You or Your travelling companion in hunting; racing (other than on foot); polo playing; hang gliding; snow skiing, snowboarding or snowmobiling; rodeo riding; BASE jumping; moto cross; freestyle BMX riding; running with the bulls; sports activities in a Professional capacity; mountaineering or rock climbing using guides, ropes, rock climbing equipment or oxygen; scuba diving unless You hold an Open Water Diving Certificate or are diving with a qualified diving instructor.

26. claims involving participation by You (during the Journey) in snow skiing, snowboarding or snowmobiling.

27. claims involving participation by You (during the Journey) in motorcycling or moped riding for any purpose.

Contact us0800 268 371

www.malaysiaairlines.com

PW issue 3 (MHN)

Date prepared: 17/04/2017 Copyright © 2017 Cover-More (NZ) Limited

Contact us

Cover-More (NZ) Limited

PO Box 105-203 Auckland City Auckland 1143

0800 500 225

[email protected]

www.covermore.co.nz

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